THE LOVE FACTOR INC (EIN 823908284) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2018

Legal Domicile

Phone

2086672511

Tax Period

2021-01-01 to 2021-12-31

THE LOVE FACTOR INC, founded in 2018, is a small nonprofit that reported $452K in total revenue in fiscal year 2021. Revenue surged 91% from the prior year, signaling strong growth momentum. Expenses of $397K left a modest 12% surplus.

Mission

The Love Factor, Inc is established to provide individuals, couples and families an opportunity to experience faith-based counseling services in order to strengthen relationships.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $51,407

Program Service Revenue $400,873

Investment Income $0

Other Revenue $0

TOTAL REVENUE $452,280

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,075

Fundraising Expenses $0

Program Expenses $396,779

Other Expenses $390,704

TOTAL EXPENSES $396,779

Year-over-Year Comparison

	2021	2020	Change
Revenue	$452,280	$236,926	+0.9%
Expenses	$396,779	$270,469	+0.5%
Net Income	$55,501	$-33,543	-2.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

$6,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATTHEW ROWE	President	40.00	Director	$6,200	$0	$6,200
LUKE CROLL	Vice President	1.00	Officer	$0	$0	$0
NANCY CROLL	Secretary	1.00	Officer	$0	$0	$0
JOHN MCCLAFFERTY	Treasurer	1.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2021	$452,280	$396,779	$60,302	$55,501

THE LOVE FACTOR INC